Innovative MFB vs 9jaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Innovative MFB
Manage your finances on the go with this mobile banking application. Perform transactions like checking balances, paying bills, recharging airtime, and transferring funds. You can also apply for loans and create new account numbers directly from your device.
- View account balance
- Export account statements
- Airtime recharge
- Bill payments
- Inter/Intra-bank transfers
- Loan application and status
- Create account numbers
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Perform most of your financial transactions which includes but not limited to: - View Account balance - View and export Account statement - Airtime Recharge - Bills Payment e.g. DSTv, GoTv, PHCN etc. - Inter-bank and Intra-bank Transfer - Loan Management (apply for loans, check loan status etc.) - Create Account Number
9jaPay
Manage your finances with this comprehensive app. It offers budgeting, investing, banking, and bill payment features, simplifying your financial life. Secure transactions and easy money management tools are provided.
- Easy money management
- Bill payments
- Send and receive money
- Secure transactions
- Transfer scheduling
- Budgeting and investing
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Introducing the ultimate solution for managing your finances - 9jaPay! Take control of your financial future and experience unparalleled convenience, all in one powerful application. We've got you covered, from budgeting and investing to banking and bill payments. Say goodbye to juggling multiple apps and hello to simplicity and efficiency. Download now and embark on a journey to financial freedom! Why 9jaPay? 9jaPay is the ultimate app for managing your finances with ease. From secure and effortless payments to value-added services, our app provides a comprehensive suite of features to simplify your life. Our app offers an incredible array of features to make your life easier, including: * Easy money management tools * Bill Payments * Send and receive money easily * An array of payment options * Secure transactions * Transfer scheduling Make the switch to convenience in 3 easy steps: Open a FREE account - Download the app and set up your account for free – it only takes a few minutes. Fund your account - You can add money to your 9jaPay account by sending money directly from any bank account or receiving a P2P credit from friends using your unique username or payment links. Start Transacting - Whether you need to send money to loved ones, schedule a transfer, or move money quickly, 9jaPay has you covered. Experience financial convenience like never before. Banking Services are provided by Amegy Microfinance Bank, licensed by the Central Bank of Nigeria. Download the app now and get started. For more information, visit www.9japay.com. Need help? Please email us at support@9japay.com
Screenshots
Verdict
The clearest difference is rating: 9jaPay at 2.5 against Innovative MFB's 1.0. 9jaPay also leads on review sentiment (20% vs 0%) and update cadence (every 5 weeks vs every 4 months). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
9jaPay holds the better App Store score, 2.5 against 1.0. Both are backed by a comparable volume of ratings — 6 and 10 respectively. Written reviews point the same way: 0% of Innovative MFB's written reviews are positive against 20% of 9jaPay's.
Innovative MFB ships an update every 4 months, 9jaPay every 5 weeks. The most recent releases landed on July 23, 2026 and September 17, 2026 respectively.
| Parameter | Innovative MFB | 9jaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (6 ratings) | 2.5 (10 ratings) — better |
| Positive reviews | 0.0% of reviews | 20.0% of reviews — better |
| Number of ratings | 6 | 10 — better |
| Update frequency | Every 4 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 55 MB | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | iBank Microfinance Bank Limited | 9jaPay UK Limited |
Customer experience
Innovative MFB
9jaPay
In-app purchases
Innovative MFB
No in-app purchases
9jaPay
No in-app purchases









